A review of things you need to know before you go home on Tuesday; ANZ cuts TD and mortgage rates, Crown surplus swells, English quits, KiwiSaver analysis updated, swaps, bitcoin and NZD all stable

Here are the key things you need to know before you leave work today:

MORTGAGE RATE CHANGES
ANZ has launched a 4.35% one year fixed mortgage rate. While not market-leading, it is as far as most of its rivals are concerned. The Co-operative Bank has cut its one year fixed rate by -5 bps to 4.39%.

TERM DEPOSIT RATE CHANGES
At the same time, ANZ trimmed a similar amount from its term deposit rates, especially those less than one year. The cuts were -5 and -10 bps.

THANK'S BILL
The Crown's financial position continues to track better than forecast. In the six months to December they recorded a +$1.1 bln OBEGAL surplus, compared to the expected +$300 mln. (That is up from the +$125 mln in the five months to November.) The full operating balance surplus is +$3.5 bln in six months. On an annual basis that is an OBEGAL surplus of $5.2 bln and the highest since just before the GFC in the year to July 2008. For this the architect of these results was tossed out by voters in September, and quit public life all together today. Balancing the books is so 2017; now the calls are to borrow-and-spend Trump-style.

KIWISAVER ANALYSIS UPDATED
For readers tracking the performance of their KiwiSaver fund via our unique regular-savings approach, you may want to know that our data is now updated through to January 2018. The drill-down resources are extensive for returns, asset allocations, fees, and categorisation.

48% SUCCESS RATE
Auckland realtor Barfoot & Thompson's latest auction data reveals that less than half the offered properties sold. But results varied widely depending on location.

MARGIN ENHANCEMENT
We have more details on the giant $835 mln perpetual bond that ANZ is planning to repay in April. When it was first issued it was paying investors 9.66%. If they didn't repay it now, it would now pay about 4.74%. ANZ has cheaper funding sources these days than that.

BENCHMARK INTEREST RATES STABLE
The UST 10 yr is still at 2.86% and has been stable all day. The Aussie 10 yr is at 2.87% (down -1 bp). The Chinese 10 yr is at 3.92% (unchanged), and the Kiwi 10 yr bond is 2.995% (unchanged). The 90 day bank bill rate is unchanged at 1.91%. Meanwhile, local swap rates have moved down a little today by -1 bp but only for durations up to five years and longer.

BITCOIN UNCHANGED
Bitcoin is now at US$8,730 which is almost exactly unchanged from where it was this morning.

NZ DOLLAR UNCHANGED
The Kiwi dollar has changed little today. It is currently at 72.6 USc, at 92.3 AUc and 59 euro cents. This leaves the TWI-5 still at 73.8.